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Millbrook

Harrison, AR · Charter 23372

Q2 2003

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q2 2003, the quarter ended June 30, 2003, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Millbrook

Harrison, AR · Charter 23372

Q2 2003

$566KAssets
$376KLoans
$474KShares
$90KNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of -2.85%, down 24 bps year over year; NIM at 4.26%.
  • Asset quality: problem loans at 5.78% of loans (-53 bps YoY).
  • Capital: net worth / assets of 15.97%, down 201 bps from a year ago.
  • Funding: loans stand at 79.50% of shares as of Q2 2003.

Financial Results

Return on Assets (YTD, annualized)

-2.85%-24 bps YoY

Net Interest Margin (YTD, annualized)

4.26%-71 bps YoY

Efficiency Ratio (YTD, annualized)

159.90%+4,621 bps YoY

Net Worth / Assets

15.97%-201 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2002Q3 2002Q4 2002Q1 2003Q2 2003YoY ΔTrend
Earnings
Return on Assets-2.60%-2.54%-4.90%-2.71%-2.85%-24 bps
Return on Equity-14.49%-14.90%-28.02%-17.26%-17.83%-333 bps
Net Interest Margin4.97%4.63%5.07%4.40%4.26%-71 bps
Efficiency Ratio113.69%126.43%139.81%155.26%159.90%+4,621 bps
Growth
Asset Growth (YoY)-8.25%12.41%-14.27%3.35%-12.28%-403 bps
Loan Growth (YoY)-40.96%-30.99%-24.02%-8.78%8.20%+4,916 bps
Share Growth (YoY)-8.10%19.15%-11.99%11.31%-9.99%-189 bps
Asset Quality
Delinquent Loans / Loans6.30%5.55%6.49%6.57%5.78%-53 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.99%1.91%2.52%2.33%2.25%+26 bps
Capital
Risk-Based Capital17.97%17.01%17.48%15.68%15.97%-201 bps
Net Worth / Assets17.97%17.01%17.48%15.68%15.97%-201 bps
Liquidity & Funding
Loans / Shares66.13%66.11%79.41%72.39%79.50%+1,337 bps
Liquid Assets / Assets44.93%44.43%33.91%38.47%32.16%-1,277 bps